Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page

9. Check if this filing amends a previously filed version of this report

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code BAN

16. Specific lobbying issues

Credit union member business lending cap; small business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Administration loan guarantee; federal credit union tax exemption; corporate tax reform; sequestration; Federal Housing Administration (FHA) solvency issues; FHA mutual mortgage insurance fund; FHA strategic default policy; Credit union regulatory relief; Allowing the National Credit Union Administration (NCUA) the ability to grant parity with a broader state rule;
Allowing NCUA the ability to delay implementation of a Consumer Financial Protection Bureau (CFPB) rule; NCUA rule making cost benefit analysis; CFPB rule making cost benefit analysis; Examination fairness for credit unions; Changes to the credit union Central Liquidity Fund; Capital reform for credit unions; Changes to the prompt corrective action system; Risk-based capital for credit unions; Basel III as it impacts credit unions; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); Capital requirements for newly chartered credit unions; Corporate governance provisions and the Federal Credit Union Act (FCUA); Credit union field of membership restrictions; Credit unions ability to serve underserved areas; Annual privacy notice requirements; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act of 2013 (S. 635);Credit union investment authority; Credit unions lending and longer maturities for certain loans; Credit union insurance parity for Interest on Lawyers Trust Accounts (IOLTAs); Data security standards; Cyber security; Cyber Intelligence Sharing and Protection Act (H.R. 624); Executive Order: Improving Critical Infrastructure Cybersecurity; Reform of the housing finance system; Credit union access to the Government Sponsored Enterprises; Credit unions access to the Federal Home Loan Bank system; Senate Budget Resolution (S.Con.Res. 8); Amdt# 593 to S. Con. Res. 8 with respect to Fannie Mae and Freddie Mac fees; Defense credit union issues; Base Realignment and Closure (BRAC); Servicemembers Civil Relief Act; Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (HR 1223); FinCEN rulemaking with respect to adopting a customer due diligence program in conjunction with the Bank Secrecy Act and anti-money laundering rules; Automatic Teller Machine disclosures; Debit interchange fees; Credit interchange fees; Flood Insurance and the National Flood Insurance Program; Community Reinvestment Act; Structural changes to the CFPB; Regulation Z and the Truth in Lending Act with respect a consumers independent ability to repay; Mortgage-related rule makings at the Consumer Financial Protection Bureau (CFPB);Ability to Repay/ Qualified Mortgages; Mortgage Servicing; Proposed changes to the Home Ownership Equity Protection Act; Loan originator compensation; Regulation E with respect to remittance transfers; Applicability of the Small Business Regulatory Enforcement Fairness Act; CFPBs quarterly collection of credit card agreements; CFPBs Policy to Encourage Trial Disclosure Programs; Information Collection; CFPBs request for information on the Credit Card Market; CFPBs request with respect quantitative testing on integrated mortgage loan disclosures; CFPBs request for information about financial products marketed to students enrolled in institutions of higher education; Financial Accounting Standards Boards (FASB) exposure draft clarifying the scope and applicability of a particular disclosure to nonpublic entities that resulted from the issuance of Accounting Standards Update No.2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs; Government Sponsored Enterprises (GSE) Buy-Back Policies and Requirements; Financial Crimes Enforcement Network (FINCen) proposed rule to amend the definitions of funds transfers and transmittal of funds; Federal Financial Institutions Examination Council (FFIEC) proposed guidance on social media; Financial Stability Oversight Council (FSOC) reform alternatives on money market mutual funds; NCUAs exam notification stating goals to provide more clarity in guidance to examiners and credit unions and consistency in agency practices; NCUAs budget; NCUAs examination of credit unions interest rate risk management.

17. House(s) of Congress and Federal agencies Check if None

Natl Credit Union Administration (NCUA), Small Business Adminstration (SBA), Defense - Dept of (DOD), Homeland Security - Dept of (DHS), Federal Reserve System, Treasury - Dept of, Federal Deposit Insurance Commission (FDIC), Securities & Exchange Commission (SEC), Housing & Urban Development - Dept of (HUD), Office of the Comptroller of the Currency (OCC), Government Accountability Office (GAO), White House Office, Federal Housing Finance Board (FHFB), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission (CFTC), U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code FIN

16. Specific lobbying issues

Credit union member business lending cap; small business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Administration loan guarantee; federal credit union tax exemption; corporate tax reform; sequestration; Federal Housing Administration (FHA) solvency issues; FHA mutual mortgage insurance fund; FHA strategic default policy; Credit union regulatory relief; Allowing the National Credit Union Administration (NCUA) the ability to grant parity with a broader state rule;
Allowing NCUA the ability to delay implementation of a Consumer Financial Protection Bureau (CFPB) rule; NCUA rule making cost benefit analysis; CFPB rule making cost benefit analysis; Examination fairness for credit unions; Changes to the credit union Central Liquidity Fund; Capital reform for credit unions; Changes to the prompt corrective action system; Risk-based capital for credit unions; Basel III as it impacts credit unions; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); Capital requirements for newly chartered credit unions; Corporate governance provisions and the Federal Credit Union Act (FCUA); Credit union field of membership restrictions; Credit unions ability to serve underserved areas; Annual privacy notice requirements; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act of 2013 (S. 635);Credit union investment authority; Credit unions lending and longer maturities for certain loans; Credit union insurance parity for Interest on Lawyers Trust Accounts (IOLTAs); Data security standards; Cyber security; Cyber Intelligence Sharing and Protection Act (H.R. 624); Executive Order: Improving Critical Infrastructure Cybersecurity; Reform of the housing finance system; Credit union access to the Government Sponsored Enterprises; Credit unions access to the Federal Home Loan Bank system; Senate Budget Resolution (S.Con.Res. 8); Amdt# 593 to S. Con. Res. 8 with respect to Fannie Mae and Freddie Mac fees; Defense credit union issues; Base Realignment and Closure (BRAC); Servicemembers Civil Relief Act; Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (HR 1223); FinCEN rulemaking with respect to adopting a customer due diligence program in conjunction with the Bank Secrecy Act and anti-money laundering rules; Automatic Teller Machine disclosures; Debit interchange fees; Credit interchange fees; Flood Insurance and the National Flood Insurance Program; Community Reinvestment Act; Structural changes to the CFPB; Regulation Z and the Truth in Lending Act with respect a consumers independent ability to repay; Mortgage-related rule makings at the Consumer Financial Protection Bureau (CFPB);Ability to Repay/ Qualified Mortgages; Mortgage Servicing; Proposed changes to the Home Ownership Equity Protection Act; Loan originator compensation; Regulation E with respect to remittance transfers; Applicability of the Small Business Regulatory Enforcement Fairness Act; CFPBs quarterly collection of credit card agreements; CFPBs Policy to Encourage Trial Disclosure Programs; Information Collection; CFPBs request for information on the Credit Card Market; CFPBs request with respect quantitative testing on integrated mortgage loan disclosures; CFPBs request for information about financial products marketed to students enrolled in institutions of higher education; Financial Accounting Standards Boards (FASB) exposure draft clarifying the scope and applicability of a particular disclosure to nonpublic entities that resulted from the issuance of Accounting Standards Update No.2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs; Government Sponsored Enterprises (GSE) Buy-Back Policies and Requirements; Financial Crimes Enforcement Network (FINCen) proposed rule to amend the definitions of funds transfers and transmittal of funds; Federal Financial Institutions Examination Council (FFIEC) proposed guidance on social media; Financial Stability Oversight Council (FSOC) reform alternatives on money market mutual funds; NCUAs exam notification stating goals to provide more clarity in guidance to examiners and credit unions and consistency in agency practices; NCUAs budget; NCUAs examination of credit unions interest rate risk management.

17. House(s) of Congress and Federal agencies Check if None

Natl Credit Union Administration (NCUA), Small Business Adminstration (SBA), Defense - Dept of (DOD), Homeland Security - Dept of (DHS), Federal Reserve System, Treasury - Dept of, Federal Deposit Insurance Commission (FDIC), Securities & Exchange Commission (SEC), Housing & Urban Development - Dept of (HUD), Office of the Comptroller of the Currency (OCC), Government Accountability Office (GAO), White House Office, Federal Housing Finance Board (FHFB), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission (CFTC), U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code TAX

16. Specific lobbying issues

Credit union tax exemption; corporate tax reform; sequestration; House Ways and Means working group on Financial Services; House Ways and Means working group on Charitable and Tax Exempt Organizations.

17. House(s) of Congress and Federal agencies Check if None

Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Treasury - Dept of, Federal Reserve System, U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, White House Office, Federal Trade Commission (FTC)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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Information Update Page - Complete ONLY where registration information has changed.

20. Client new address

21. Client new principal place of business (if different than line 20)

22. New General description of client’s business or activities

LOBBYIST UPDATE

23. Name of each previously reported individual who is no longer expected to act as a lobbyist for the client

ISSUE UPDATE

24. General lobbying issue that no longer pertains

AFFILIATED ORGANIZATIONS

25. Add the following affiliated organization(s)

Internet Address: http://www.nafcu.org/Tertiary.aspx?id=17818

26. Name of each previously reported organization that is no longer affiliated with the registrant or client

FOREIGN ENTITIES

27. Add the following foreign entities:

28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization